use nz to handle nulls - its much easier
do
iif(nz([ai rate],0),response for zero, response for non-zero)
despite what some posters here say, nz will automatically deal with a null, and replace it with a value of your choosing.
ie nz([ai rate],0) sets [a1 rate] to zero if it is null, and doesn't change it otherwise
if [myvar] is a string then the syntax
nz([myvar],"") converts it to a zero length string